@Huma Finance 🟣 is building the world’s first PayFi network, merging payments and financing to unlock real-world income-based credit on-chain. Unlike traditional crypto-backed lending, Huma lets users borrow against future income streams — salaries, invoices, or remittances — using its Time-Value-of-Money (TVM) model.
By analyzing cash-flow patterns, Huma offers instant, uncollateralized lending, providing 70–90% liquidity of expected future revenue directly through secure smart contracts. This approach empowers individuals and businesses to access capital without selling assets, opening new possibilities for financial freedom.
Huma Finance isn’t just innovating DeFi — it’s bringing real-world financial infrastructure to the blockchain.